Major Medical Health Insurance Policy 

Major Medical health insurance is known as many things but would most commonly be referred to as "Long-Term Health Care", as it can be renewed until age 65 guaranteed.

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These types of policies typically come with benefits like co-pays on doctor's visits and drug prescriptions, covering pre-existing conditions and are guaranteed renewals yearly.

 Underwriting and premium are only based on tobacco use and age. 

Fixed Benefits, also known as "fixed indemnity" health insurance plans are another great alternative to Major Medical and Short-Term Medical health insurance policies. 

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These plans work just like they sound, as they pay "fixed benefits" towards the specific doctor and hospital-related services, as listed in your coverage.

These plans are typically backed by $1-$2,000,000 max benefits per year and can help with overnight hospital stays and emergency services. 

Short-Term health insurance can be a great alternative to Major Medical for many different types of families needing health coverage.

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With some of the same big-name networks as Major medical, these PPO plans will work in any state across the country, which makes sense for many.

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Underwriting and eligibility are subject to current health conditions and may come with a lookback period on those pre-existing conditions.

Accident and sickness health insurance benefits are a great addition to the existing coverage, or can even be an additional alternative to having a full-coverage health insurance policy.

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These policies are known as supplemental coverage and are very effective for helping you meet deductibles and out-of-pocket costs.

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This is the most cost-effective health insurance solution available, and premiums amounts will vary based on what variances of coverage are added.